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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2016 Bureau of Fraud Deterrence Enforcement Activity
Previous Activity: 2015 Enforcement > 2014 Enforcement
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
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June


Executed Consent Orders

Madeline L. Piccolo, Woodland Park, NJ
Order # 13-54214-04, June 9, 2016
Respondent, Madeline Piccolo, knowingly provided a false and misleading statement on an automobile insurance claim with CURE Auto Insurance Company when she reported that her 2005 Cadillac was struck while parked in Paterson, NJ, on April 24, 2013, when in fact, her daughter had been involved in a motor vehicle accident.
Civil Penalty: $3,500

Robinson Morales, Sr., Passaic, NJ
Order #14-54199-35, June 9, 2016
Respondent, Robinson Morales Sr., provided false and misleading information to Progressive Garden State Insurance Company on April 11, 2014, by failing to list a licensed household operator on an application for automobile insurance.
Civil Penalty: $1,500

Jomari Jimenez, Union City, NJ
Order #15-52204-35, June 9, 2016
Respondent, Jomari Jimenez, failed to disclose an additional driver on a renewal questionnaire dated January 10, 2015, to CURE Auto Insurance Company.
Civil Penalty: $1,500

Annat Shaibu-Kennedy, Lodi, NJ
Order #16-51049-35, June 23, 2016
Respondent, Annat Shaibu-Kennedy, provided information on her auto application with CURE Auto Insurance dated November 4, 2015.  Specifically, the respondent failed to list all licensed household drivers.
Civil Penalty: $1,500

Rodolfo Reyes, Bayonne, NJ
Order #15-50420-35, June 23, 2016
Respondent, Rodolfo Reyes, failed to list a licensed household driver on his auto policy application dated July 1, 2010, with Metropolitan Property and Casualty Insurance Company.
Civil Penalty: $1,500

Shadae Dean, Paterson, NJ
Order #15-52793-35, June 23, 2016
Respondent, Shadae Dean, knowingly gave false and misleading information to Progressive Insurance Company on April 8, 2015, when completing her online automobile insurance application. Specifically, she failed to list her boyfriend/fiance as a household driver.
Civil Penalty: $1,500

Alex Harris, Queens Village, NJ
Order #14-52804-35, June 23, 2016
Respondent, Alex Harris, knowingly provided false and misleading information to Mercury Insurance Company on his auto application dated July 25, 2013, with an inception date of August 2, 2013.  Specifically, Mr. Harris listed his policy residence as Washington, NJ, when in fact he was residing and garaging his vehicles in Brooklyn, NY.
Civil Penalty: $2,500

Partha Das, Jersey City, NJ
Order #15-53427-04, June 23, 2016
Respondent, Partha Das, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an auto property damage claim.  Specifically, he stated that the damages occurred to the vehicle on July 27, 2015, when in fact, the damages occurred on July 20, 2015, before the policy went into effect.
Civil Penalty: $2,500

Ruby Wedderburn, East Orange, NJ
Order #14-53631-35, June 23, 2016
Respondent, Ruby Wedderburn, failed to list all licensed and non-licensed household members on her auto application dated May 24, 2013, and on her renewal dated April 10, 2014, with Drive New Jersey Insurance Company.
Civil Penalty: $1,500

Janisha Grant, East Orange, NJ
Order #15-54591-35, June 29, 2016
Respondent, Janisha Grant, provided false and misleading information to Progressive Garden State Insurance Company on October 9, 2015, while securing an automobile policy, by failing to disclose that she had just been involved in a motor vehicle accident. Janisha Grant also provided false and misleading information during a recorded call on October 15, 2015, by stating that the accident had occurred on October 9, 2015, after the inception of the policy.
Civil Penalty: $2,500

Domenico Prisco, Parsippany, NJ
Order #14-53017-10, June 29, 2016
Respondent, Domenico Prisco, provided false and misleading statements on a homeowners insurance claim to New Jersey Manufacturers Insurance Company, dated April 8, 2014, specifically, by submitting a receipt from D&D Flooring indicating that the floors were repaired in 2011, when in fact, the repairs were never made.
Civil Penalty: $2,500

Cruzmery Inoa, North Haledon, NJ
Order #14-51801-04, June 29, 2016
Respondent, Cruzmery Inoa, on May 3, 2014, added a second vehicle to an already existing policy with Progressive Insurance Company.  On May 6, 2014, Ms. Inoa pursued a claim stating that both her vehicles were damaged while backing out of her driveway.  However, photos of both vehicles taken by an ISO Vehicle Locator, prior to the date of reported loss, show the auto damage was pre-existing.
Civil Penalty: $1,500

Joseph DiMare, Jersey City, NJ
Order #14-51914-35, June 29, 2016
Respondent, Joseph DiMare, gave false and misleading information on policy renewals dated June 19, 2013 and January 14, 2014, to New Jersey Manufacturers Insurance Company.  Specifically, he failed to disclose that his mother-in-law was the regular operator of one of his vehicles and that she garaged that vehicle at a different location than that of the policy address.
Civil Penalty: $1,500

David Moskal, Frenchtown, NJ
Order #15-54288-35, June 2, 2016
Respondent, David Moskal, when completing his policy application on September 8, 2015, with CURE Auto Insurance Company, knowingly failed to disclose that he was not the legal owner of the two insured 2000 and 2011 Ford pickup trucks.  Respondent also knowingly failed to disclose that the insured 2000 and 2011 Fords would be utilized for commercial purposes.
Civil Penalty: $1,500

German Delacruz, North Brunswick, NJ
Order #15-53166-35, June 9, 2016
Respondent, German Delacruz, provided false and misleading information to CURE Auto Insurance on his June 8, 2015 application for automobile insurance.  Specifically, respondent failed to disclose that the insured vehicles were registered to a business, Amigo Medical Transportation, Inc.
Civil Penalty: $1,500

Diego Capellan, Jersey City, NJ
Order #15-52658-35, June 14, 2016
Respondent, Diego Capellan, knowingly caused a material misrepresentation to be made to Progressive Insurance Company on June 11, 2015, by falsely reporting the time of loss in order to secure insurance coverage for a watercraft that had already suffered a loss prior to the effective time of coverage.  Specifically, respondent caused the time of loss for the watercraft to be falsely reported as occurring on June 10, 2015 between 5 and 6 p.m., when, in fact, the loss had already taken place several hours earlier on June 10, 2015 before the policy was obtained.
Civil Penalty: $5,000

Peter Baker, Albrightsville, PA
Order #15-53332-35, June 21, 2016
Respondent, Peter Baker, knowingly provided false and misleading information to Progressive Garden State Insurance Company on an application for auto insurance dated October 30, 2014.  Specifically, respondent failed to disclose the true policy holder and additional operators/household members.
Civil Penalty: $1,500

Kathy Cao, Hillsborough, NJ
Order #14-53962-41, June 28, 2016
Respondent, Kathy Cao, made false statements to Mutual of Omaha on her disability income insurance application on September 24, 2013, her recorded interview with Mutual of Omaha underwriting on September 25, 2013, and on her claim form to Mutual of Omaha on July 30, 2014, when she failed to list previous medical conditions and made a misrepresentation about the date some of those conditions began.  By making these false statements, Kathy Cao obtained an insurance policy that would not otherwise have been written.
Civil Penalty: $5,000

Vincent K. Sajkowski, Cream Ridge, NJ
Order #12-51731-10, June 28, 2016
Respondent, Vincent K. Sajkowski, submitted false and misleading information to New Jersey Manufacturers Insurance Company material to a claim relating to an August 28, 2012, date of loss.  Specifically, false information was submitted in an attempt to receive monetary compensation for property damage that had been caused to his residence by an independent contractor and was not covered under his homeowner's insurance policy.
Civil Penalty: $2,000

Carmen Mercado, Carteret, NJ
Order #16-50428-35, June 28, 2016
Respondent, Carmen Mercado, when completing her policy application on December 8, 2015 with CURE Auto Insurance Company, knowingly failed to disclose that she was not the legal owner of the covered 2010 BMW.
Civil Penalty: $1,500

Maria Galviria, Plainfield, NJ
Order #15-55301-35, June 28, 2016
Respondent, Maria Galviria, on November 6, 2015, during a recorded interview with a New Jersey Manufacturing Insurance Company representative, knowingly failed to disclose that an undisclosed person would be operating and garaging the covered 2013 Toyota and 2003 Infinity. Respondent, Maria Galviria, when adding the 2003 Infinity to her policy on March 13, 2015, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that this vehicle would be operated by an undisclosed person.
Civil Penalty: $1,500

Melvin Diggs, Willingboro, NJ
Order #15-50430-35, June 1, 2016
Respondent, Melvin Diggs, did provide false information on an automobile policy dated September 30, 2014, to CURE Auto Insurance Company by knowingly failing to disclose that another individual was also a resident in his household and had a suspended New Jersey driver's license.Civil Penalty: $1,500

Wayne Gagne, Mantua, NJ
Order #15-54155-35, June 9, 2016
Respondent, Wayne Gagne, knowingly submitted a materially false statement on two life insurance applications dated October 23, 2014 and July 2, 2015, to Unum Life Insurance Company of America stating his spouse did not have diabetes, when in fact, she was diagnosed and treated for diabetes.
Civil Penalty: $1,500

Data Access Datapatch, Paramus, NJ
Order #15-50706-36, June 9, 2016
Respondent, Data Access Datapatch, did knowingly provide materially false information on a Horizon Blue Cross/Blue Shield Health Insurance Enrollment form dated January 1, 2010, by indicating two individuals were employees of the company, when in fact, they were never employed with Data Access Datapatch.  Said health insurance coverage was active through December 2014.
Civil Penalty: $5,000

Brielle Hill, Freehold, NJ
Order #15-51335-35, June 20, 2016
Respondent, Brielle Hill, did provide materially false statements to CURE Auto Insurance Company in obtaining and renewing an automobile insurance policy dated February 20, 2014, by knowingly failing to disclose an additional resident in her household.
Civil Penalty: $1,500

Sandra Robinson, Woodbury, NJ
Order #15-53483-35, June 23, 2016
Respondent, Sandra Robinson, provided materially false statements to CURE Auto Insurance Company by failing to disclose an additional primary operator of the 2002 Acura policy vehicle when the vehicle was added to the policy on September 17, 2013, and on subsequent renewals, and that the automobile was garaged at a location other than the primary address.
Civil Penalty: $1,500

Daquan Harvey, Woodbury, NJ
Order #15-53483-35, June 23, 2016
Respondent, Daquan Harvey, conspired with another individual in that he knowingly had possession of an insured risk, was the sole non-resident operator, garaged the same at his own home, and was not listed as a driver on the CURE Auto Insurance Company automobile policy when the vehicle was added to the policy on September 17, 2013.
Civil Penalty: $1,500

Shirley Richardson, Sewell, NJ
Order # 15-53820-35, June 23, 2016
Respondent, Shirley Richardson, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated August 20, 2015, by knowingly failing to disclose another individual as a household resident whose driver's license was suspended, was an operator of a vehicle registered to her, and that the vehicle was being used for commercial purposes.  Additionally, Shirley Richardson did provide a materially false statement to Good2Go Insurance Company in obtaining an automobile insurance policy dated October 8, 2015, by knowingly failing to disclose another individual as a household resident whose driver's license was suspended, was an operator of a vehicle registered to her, and that the vehicle was being used for commercial purposes.
Civil Penalty: $3,000

Elizabeth Bermudez, Vineland, NJ
Order #16-51506-35, June 23, 2016
Respondent, Elizabeth Bermudez, did provide materially false statements to CURE Auto Insurance Company on the January 14, 2013, February 19, 2014 and January 13, 2015 renewal forms by failing to list her boyfriend as a household member and an operator of her vehicle.
Civil Penalty: $1,500

Ramon Alicea, Runnemede, NJ
Order #15-54126-35, June 23, 2016
Respondent, Ramon Alicea, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated February 19, 2014, by knowingly failing to disclose another household member and an operator of a vehicle registered to him.
Civil Penalty: $1,500

Stephanie Moore
, Ocean, NJ
Order #15-54280-35, June 29, 2016
Respondent, Stephanie Moore, did provide a materially false statement to Allstate Insurance Company in renewing her automobile insurance policy on March 14, 2014, by knowingly failing to disclose that another individual was a resident in her household and an operator of the policy vehicle.
Civil Penalty: $1,500

Eunide Leger, Roselle, NJ
Order #14-53352-35, June 29, 2016
Respondent, Eunide Leger, did provide a materially false statement to Progressive Insurance Company in obtaining an automobile insurance policy dated November 8, 2012, by knowingly failing to disclose an individual as a resident in her household and an operator of a vehicle registered to her.
Civil Penalty: $1,500

Maribel Cotto, Newark, NJ
Order #15-50384-35, June 23, 2016
Respondent, Maribel Cotto, knowingly gave false and misleading information to Progressive Insurance Company on February 1, 2013, when completing her online automobile insurance application.  Specifically, she failed to list a household resident driver.
Civil Penalty: $1,500

 
May


Executed Consent Orders

Jesus Olano, Paterson, NJ
Order #14-52346-03, May 3, 2016
Respondent, Jesus Olano, knowingly made false and misleading statements in reporting an automobile theft on March 16, 2014, to Amica Mutual Insurance Company by stating his vehicle was stolen, when in fact it was not stolen.
Civil Penalty: $5,000

Eric Sauceda, Dover, NJ
Order #15-54468-35, May 5, 2016
Respondent, Eric Sauceda, gave false and misleading information to Progressive Garden State Insurance Company when he renewed his automobile insurance policy for the period of May 9, 2015 to November 9, 2015, and failed to list all household residents on the renewal.
Civil Penalty: $1,500

Lisa Cerza, Belleville, NJ
Order #11-23181-03, May 5, 2016
Respondent, Lisa Cerza, gave false and misleading information to Progressive Garden State Insurance Company when she reported that her vehicle was stolen on March 28, 2011, when in fact the vehicle was in possession of the Newark Police Department on February 28, 2011.
Civil Penalty: $5,000

Duvar Navarro, Harrison, NJ
Order #13-53024-35, May 3, 2016
Respondent, Duvar Navarro, provided false and misleading information to Allstate Insurance Company on his auto application dated April 13, 2010.  Specifically, by failing to disclose a driver of the policy vehicle.
Civil Penalty: $1,500

Edris Grosvenor, East Orange, NJ
Order #15-52532-35, May 16, 2016
Respondent, Edris Grosvenor, knowingly provided false and misleading information to Plymouth Rock Insurance Company on an automobile insurance policy application dated November 18, 2014, and on a vehicle addition to the policy dated November 21, 2014.  Specifically, Edris Grosvenor failed to inform the carrier that the 2002 Ford Explorer was being operated by a person not listed on the policy and that the vehicle was being garaged in Brooklyn, NY.
Civil Penalty: $1,500

Anthony Petrullo, Fairfield, NJ
Order #13-51217-10, May 16, 2016
Respondent, Anthony Petrullo, on or about January 10, 2013, in furtherance of a claim filed by him with State Farm Insurance Company, provided false and misleading information.  Specifically, Mr. Petrullo altered the amount of a repair invoice from $635 to $2,635, in an unlawful attempt to obtain from State Farm monies to which he was not entitled.
Civil Penalty: $2,500

Narsingh Mulkhraj, Belleville, NJ
Order #15-51643-35, May 16, 2016
Respondent, Narsingh Mulkhraj, failed to list his son as a licensed household resident or regular operator on an application with Progressive Garden State Insurance Company, dated May 17, 2014.
Civil Penalty: $1,500

Janet Nyarko, Hackensack, NJ
Order #15-52276-35, May 16, 2016
Respondent, Janet Nyarko, provided false and misleading information by failing to list a licensed resident operator on an application, undisclosed driver certification and underwriting questionnaire when applying for automobile insurance with IFA Insurance Company on March 5, 2012.
Civil Penalty: $1,500

Marisol Spindola, West Palm Beach, FL
Order #15-52653-35, May 16, 2016
Respondent, Marisol Spindola, knowingly provided false and misleading information on a CURE Auto Insurance auto application dated November 16, 2014.  Specifically, Ms. Spindola filled out the application listing a close relative's name and pedigree information as the insured whereby omitting herself as the primary operator of the policy vehicle.
Civil Penalty: $1,500

Alexander Penachi, North Bergen, NJ
Order #15-54156-35, May 16, 2016
Respondent, Alexander Penachi, did on or about April 30, 2014, on an application for automobile insurance from New Jersey Manufacturers Insurance Company, knowingly provide false and misleading information in that he listed the policy address for his insured 2000 Toyota, knowing at the time, that the vehicle would be garaged and primarily operated by a relative in Cliffside Park, NJ.
Civil Penalty: $1,500

Kenneth R. Coats, Florham Park, NJ
Order #15-51396-35, May 23, 2016
Respondent, Kenneth R. Coats, knowingly provided a misleading statement to CURE Auto Insurance Company on a policy declaration page dated February 20, 2015, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Huriyyah Pritchett, Newark, NJ
Order #14-51826-35, May 23, 2016
Respondent, Huriyyah Pritchett, on or about October 7, 2013, conspired with another individual, a Metropolitan Property & Casualty insured, to provide false information to Metropolitan Insurance so she could unlawfully obtain insurance coverage on a vehicle owned by her, a 2009 Land Rover.
Civil Penalty: $1,500

Alysha Alston, Elizabeth, NJ
Order #15-51780-35, May 16, 2016
Respondent, Alysha Alston, when adding a 2006 Nissan Maxima on September 20, 2014, knowingly failed to disclose to Progressive Garden State Insurance Company that an additional vehicle operator existed for this policy vehicle.
Civil Penalty: $1,500

Victor J. Cleary, Jr., Washington, NJ
Order #15-51267-35, May 16, 2016
Respondent, Victor J. Cleary, Jr., did knowingly provide materially false information during statements to Progressive Garden State Insurance Company on February 13, 2015 and March 4, 2015, by alleging that the damage to his snowmobile occurred on February 12, 2015, when in fact, the loss to the snowmobile occurred prior to the insurance policy inception date.
Civil Penalty: $5,000

Wendy Vogel-Strout
, Manchester, NJ
Order #13-51639-47, May 16, 2016
Respondent, Wendy Vogel-Strout, knowingly submitted altered veterinary invoices as receipts to National Casualty Insurance (formerly VPI) for reimbursement of treatment services to which she was not entitled.
Civil Penalty: $3,500

Jennifer Jerome, Edison, NJ
Order #15-52557-35, May 16, 2016
Respondent, Jennifer Jerome, purposefully removed a listed operator from her Progressive Garden State Insurance Company policy on February 23, 2015, to knowingly allow this individual's undisclosed and continued utilization of a covered 2002 Jeep.
Civil Penalty: $1,500

Francy Mayorga, Colonia, NJ
Order #16-51044-35, May 23, 2016
Respondent, Francy Mayorga, failed to disclose she was married and that her husband was a household resident with a suspended license on her application with CURE Auto Insurance Company dated November 15, 2013. Francy Mayorga signed and returned a renewal questionnaire failing to disclose her husband on September 4, 2014. Francy Mayorga made a first notice of loss claim to CURE on November 23, 2015, and reported that her cousin was in an accident with her vehicle when, in fact, it was her husband.
Civil Penalty: $1,500

Luis Acosta, Plainfield, NJ
Order #12-54062-35, May 23, 2016
Respondent, Luis Acosta, knowingly failed to disclose to his carrier, 21st Century Insurance Company, that the covered 2000 Honda Odyessy added to the policy on September 2, 2011, was to be solely utilized by an undisclosed driver, that the covered 1998 Dodge Caravan added to the policy on June 2, 2011, was to be solely utilized by an undisclosed operator, and that the covered 2003 Mazda MPV added to the policy on June 2, 2011, was to be solely utilized by an undisclosed operator.
Civil Penalty: $2,000

Stephanie Jacobs, Atlantic City, NJ
Order #15-50395-35, May 16, 2016
Respondent, Stephanie Jacobs, did provide a material false statement to CURE Auto Insurance Company when obtaining an automobile insurance policy on October 2, 2014, by knowingly failing to disclose three household members, including one with a suspended New Jersey driver's license at the time of the policy inception.
Civil Penalty: $1,500

Sharon Jeannette, Sayreville, NJ
Order #15-53426-35, May 16, 2016
Respondent, Sharon Jeannette, did knowingly provide false information on a statement of no loss to Progressive Garden State Insurance Company on June 27, 2015 at 12:29 p.m., by indicating that she did not have a loss during the lapse period, when in fact she was involved in a crash earlier the same day.  Additionally, this misrepresentation also resulted in a third party claim paid to the other operator by Progressive Garden State Insurance Company.
Civil Penalty: $1,500

Gonzalo Rios-Pita, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Gonzalo Rios-Pita, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Eliana Ruiz, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Eliana Ruiz, conspired with another individual in that she knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at her own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Marco Antonio Rios-Pita, Toms River, NJ
Order #15-51395-35, May 16, 2016
Respondent, Marco Antonio Rios-Pita, conspired with another individual in that he knowingly had possession of an insured risk; was the sole non-resident operator; garaged the same at his own home; and was not listed as a driver on the policy with CURE Auto Insurance Company when the policy was incepted on November 13, 2013.
Civil Penalty: $1,500

Cortney M. Kratzer
, Pennsville, NJ
Order #15-53786-35, May 16, 2016
Respondent, Cortney M. Kratzer, knowingly supplied false information on an application for automobile insurance to CURE Auto Insurance Company on February 25, 2015, by acknowledging that she was the sole owner of the insured vehicle, when in fact, the vehicle was co-owned by another household resident.  Also, she knowingly failed to disclose this additional household resident on the application who had a suspended New Jersey driver's license.
Civil Penalty: $1,500

Gina Montero, Linden, NJ
Order #14-53809-35, May 23, 2016
Respondent, Gina Montero, did provide a materially false statement to Progressive Group of Insurance Companies in obtaining an automobile insurance policy dated January 10, 2011, by knowingly failing to disclose a resident in her household.
Civil Penalty: $1,500

Rihakulk Islam, Old Bridge, NJ
Order #15-52084-35, May 23, 2016
Respondent, Rihakulk Islam, when adding the 2002 Chrysler Voyager to his Plymouth Rock Assurance Company Policy on July 9, 2013, knowingly failed to disclose that this vehicle would be utilized by individuals purposefully not disclosed to the carrier, that this vehicle would be utilized for commercial purposes, and that this vehicle would be garaged and operated in the state of New York. Rihakulk Islam when adding the 2003 Dodge Caravan to his Plymouth Rock Assurance Company Policy on January 15, 2015, knowingly failed to disclose that this vehicle would be utilized by individuals purposefully not disclosed to the carrier, that this vehicle would be utilized for commercial purposes, and that this vehicle would be garaged and operated in the state of New York.
Civil Penalty: $1,500

Christine Hepburn, Garfield, NJ
Order #15-50864-35, May 31, 2016
Respondent, Christine Hepburn, knowingly provided false and misleading information to CURE Auto Insurance Company in support of her automobile insurance policy on April 25, 2014 and June 13, 2014. Specifically, Ms. Hepburn failed to disclose that a relative would be the primary operator of the policy vehicle, a 2011 Acura.
Civil Penalty: $1,500

Heena Bharti, Clifton, NJ
Order #16-51204-35, May 31, 2016
Respondent, Heena Bharti, knowingly concealed relevant information on her National Casualty Pet Insurance application signed August 5, 2015, by failing to disclose her pet's prior/current health issues,  specifically, by concealing that the pet was diagnosed with cardiomyopathy and a heart murmur on August 1, 2015.
Civil Penalty: $1,500

Sue Lindwall, Woodland Park, NJ
Order #14-54121-35, May 31, 2016
Respondent, Sue Lindwall, knowingly provided false and misleading statements on a New Jersey Manufacturers Insurance Company questionnaire dated June 25, 2014, by failing to disclose a licensed household resident and operator of the policy vehicles.
Civil Penalty: $1,500

Salomon Legarda, Union City, NJ
Order #15-53582-35, May 31, 2016
Respondent, Salomon Legarda, gave false and misleading statements to Progressive Insurance Company on January 10, 2015, when he failed to list a licensed household resident.
Civil Penalty: $1,500

Mateus Barbosa, Newark, NJ
Order #15-51041-04, May 31, 2016
Respondent, Mateus Barbosa, as owner of Repair X Auto, conspired with another individual, to supply a false repair bill dated September 10, 2014 in support of an Auto Property Claim to Progressive Insurance Company dated January 28, 2015.  Specifically, the Respondent claims that similar repairs were completed on the individual’s vehicle in support of a previous claim dated August 24, 2014, when in fact these repairs were never performed.
Civil Penalty: $2,500

Hugo Quizhpe, Morristown, NJ
Order #15-52776-35, May 26, 2016
Respondent, Hugo Quizhpe, knowingly submitted a false and misleading statement on an application for automobile insurance dated July 2, 2014, as well as a renewal declaration page dated December 16, 2014, with Progressive Insurance Company, specifically, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Hogi Ahn, Palisades Park, NJ
Order #15-51763-35, May 26, 2016
Respondent, Hogi Ahn, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application, electronically signed and dated July 17, 2014, by failing to disclose a licensed household resident.
Civil Penalty: $1,500

Manuel Neves, Newark, NJ
Order #14-50730-35, May 26, 2016
Respondent, Manuel Neves, knowingly provided false and misleading statements to Travelers Insurance Company on an automobile insurance application dated May 23, 2007, and on a renewal questionnaire form dated February 3, 2010, specifically, failing to list a licensed household resident.
Civil Penalty: $1,500

George Hrissikos, Waldwick, NJ
Order #13-54970-10, May 26, 2016
Respondent, George Hrissikos, provided false and misleading information to American Commerce Insurance Company on August 14, 2013, in support of a homeowner's insurance water damage loss claim that occurred on August 28, 2011.  Specifically, Mr. Hrissikos submitted a purchase receipt for a Persian rug knowing that he had previously submitted the same receipt to AIG Insurance Company involving an unrelated loss claim.
Civil Penalty: $3,500

Alice Sytsma, Wayne, NJ
Order #16-50881-35, May 26, 2016
Respondent, Alice Sytsma, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company for her personal auto insurance application dated May 30, 2013.  Specifically, that she was the sole operator of both policy vehicles and that both policy vehicles were garaged overnight at the policy address, when in fact, one of the vehicles was in possession of a family member and garaged at a different location.
Civil Penalty: $1,500

Kyongsoon Cho, Hackensack, NJ
Order #13-50795-35, May 26, 2016
Respondent, Kyongsoon Cho, failed to list all licensed household relatives on her auto renewal policies dated May 1, 2012 and November 1, 2012, with Plymouth Rock Insurance Company of New Jersey as regular operators of her risk vehicles.
Civil Penalty: $1,500

Wilman R. Erazo, West New York, NJ
Order #15-54158-35, May 26, 2016
Respondent, Wilman R. Erazo, knowingly provided false and misleading information on his New Jersey Manufacturers automobile insurance renewal questionnaire dated February 14, 2014, by failing to disclose regular operators of the insured vehicles as well as the true garaging location of those vehicles.
Civil Penalty: $1,500

Liliana Reyes, Nutley, NJ
Order #16-51006-35, May 26, 2016
Respondent, Liliana Reyes, knowingly provided false and misleading information on her Plymouth Rock automobile insurance application dated May 18, 2015, by failing to disclose a household resident and regular operator of the insured vehicle.
Civil Penalty: $1,500

Wanda Garcia, Newark, NJ
Order #14-52735-35, May 31, 2016
Respondent, Wanda Garcia, knowingly failed to disclose to New Jersey Manufacturers Insurance Company that her daughter was a licensed household resident on her insurance policy renewal dated March 26, 2013.
Civil Penalty: $1,500

Sherryl Laylock, Sayreville, NJ
Order #14-53866-35, May 24, 2016
Respondent, Sherryl Laylock, did knowingly provide materially false and misleading information to CURE Auto Insurance Company on two applications for renewal dated December 10, 2012 and December 06, 2013, and in a recorded statement taken September 29, 2014.  Specifically, respondent failed to disclose of an additional customary operator and the true garaging location of the policy vehicle, 2006 Chrysler 300.
Civil Penalty: $3,000

Paul Loney, Cherry Hill, NJ
Order #15-50940-35, May 26, 2016
Respondent, Paul Loney, did knowingly provide false information on his initial claim report to Progressive Insurance Company on January 2, 2015, by stating that his vehicle had been involved in an accident on December 31, 2014, at 1:15 p.m., when in fact, the accident occurred at 10:24 a.m. on the same date, before the policy became effective at 12:57 p.m.  Additionally, this misrepresentation resulted in a third party claim to Progressive Insurance Company.
Civil Penalty: $3,000

Sophia Carey, Mount Laurel, NJ
Order #15-52664-35, May 23, 2016
Respondent, Sophia Carey, did provide a materially false statement to Personal Service Insurance Company on April 17, 2015, in obtaining automobile insurance by failing to disclose an additional household member.
Civil Penalty: $1,500

Scott A. Salkind, Medford, NJ
Order #13-54560-24, May 23, 2016
Respondent, Scott A. Salkind, and General Medical of New Jersey, jointly and severally, knowingly caused claims to be submitted to Horizon Blue Cross/Blue Shield of New Jersey and Aetna Insurance Company for laboratory services between January 2007 and April 11, 2012, when neither provider was licensed in the State of New Jersey to provide these services.
Civil Penalty: $50,000

 
April


Executed Consent Orders

William Gil, Jr., North Bergen, NJ
Order # 15-52072-03, April 11, 2016
Respondent, William Gil, Jr., provided false and misleading information to Drive New Jersey Insurance Company on an automobile theft claim dated April 27, 2015, and in a recorded statement on May 4, 2015, by stating that this 2002 Nissan Frontier had been stolen, when in fact, it had not been stolen.
Civil Penalty: $4,000

Halan Wallizadeh, Parsippany, NJ
Order #15-53016-04, April 11, 2016
Respondent, Halan Wallizadeh, did on or about May 2015, prepare and present to Selective Insurance Company two (2) fraudulent receipts for the towing and storage of a vehicle owned by him, in the furtherance of a claim for collision damage in an unlawful attempt to obtain monies he was not entitled to receive.
Civil Penalty: $2,500

Victor Pena-Majano, Teaneck, NJ
Order #15-54096-35, April 15, 2016
Respondent, Victor Pena-Majano, knowingly submitted a false and misleading statement to Progressive (Drive New Jersey Insurance Company) on an automobile insurance policy application dated September 16, 2014. Specifically, Mr. Pena-Majano failed to list his stepdaughter as a licensed household member and operator of the policy vehicle.
Civil Penalty: $1,500

Luz M. Mayorga, West New York, NJ
Order #15-51759-35, April 20, 2016
Respondent, Luz M. Mayorga, knowingly provided false and misleading statements to GEICO Insurance Company, dated April 22, 2014, by failing to disclose that a policy vehicle, a 2006 BMW, was operated by an undisclosed operator and the vehicle was not garaged at the policy address.
Civil Penalty: $1,500

Thomas Baneky, Lodi, NJ
Order #12-51388-35, April 20, 2016
Respondent, Thomas Baneky, knowingly submitted false and misleading information on an automobile insurance application with New Jersey Manufacturers dated December 14, 2005, specifically, by using a fictitious driver’s license that he fraudulently obtained under his brother’s name. Additionally, Thomas Baneky continued to use the identity/driver's license of his brother from 2005 to 2011, which is the time that the New Jersey Manufacturers policy was in force.
Civil Penalty: $5,000

Yvonne Hewett, Albrightsville, PA
Order #15-54997-35, April 20, 2016
Respondent, Yvonne Hewett, knowingly concealed relevant information on an application for automobile insurance with CURE Auto Insurance Company dated May 2, 2015, specifically, by failing to disclose a regular operator of the policy vehicles.
Civil Penalty: $1,500

Dawn Bigelow, Phillipsburg, NJ
Order #15-52572-35, April 18, 2016
Respondent, Dawn Bigelow, knowingly provided false and misleading statements to Progressive Garden State Insurance Company on May 2, 2015, material to a claim of the same date. Specifically, respondent denied her son was the primary vehicle operator of a 1999 Jeep Grand Cherokee.
Civil Penalty: $1,500

Ruth Fair, Plainfield, NJ
Order #15-51762-35, April 18, 2016
Respondent, Ruth Fair, when signing the new business auto application knowingly failed to disclose to Progressive Garden State Insurance Company her true identity and all operators of the policy vehicle.
Civil Penalty: $1,500

Victoria Compton, Millville, NJ
Order #15-53888-35, April 18, 2016
Respondent, Victoria Compton, did knowingly provide a materially false statement to CURE Auto Insurance Company on March 11, 2014, by failing to disclose that an additional driver was the primary operator of the 1995 Honda Accord listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Adriana Avila, Plainfield, NJ
Order #13-53072-35, April 11, 2016
Respondent, Adriana Avila, knowingly failed to disclose on her Good2Go Insurance Company Policy that the covered 2005 Dodge Durango added to the policy on February 26, 2012, the covered Chevrolet Astro added to the policy on September 20, 2012, the covered 1999 Plymouth Voyager added to the policy on October 29, 2012, and the covered 1987 Dodge Dakota added to the policy on October 29, 2012, were solely utilized by an undisclosed operator.
Civil Penalty: $1,500

Nathan Bakhash, Lakewood, NJ
Order #15-51861-35, April 13, 2016
Respondent, Nathan Bakhash, did provide a materially false statement to Progressive Insurance Company on an application for insurance dated February 5, 2015, by failing to identify himself as a rated driver on the policy with a suspended New Jersey driver's license.
Civil Penalty: $1,500

Carol A. Pontano, Sicklerville, NJ
Order #15-53502-36, April 13, 2016
Respondent, Carol A. Pontano, failed to disclose her hospital confinement between September 17, 2013 through September 20, 2013, which took place within one year of the policy application for Supplemental Hospital Insurance with Mutual of Omaha Insurance Company dated June 27, 2014.
Civil Penalty: $1,500

Sonia N. Correa, Camden, NJ
Order #14-52991-35, April 11, 2016
Respondent, Sonia N. Correa, conspired with another individual in that she knowingly had possession of an insured risk; was the co-owner of the insured risk; was the sole non-resident operator; garaged the same at her own home; made no less than nine premium payments; and was not listed as a driver on an automobile policy with CURE Auto Insurance Company dated February 20, 2013.
Civil Penalty: $1,500

Kenijah Dixon-Baldwin, Newark, NJ
Order #15-53598-35, April 27, 2016
Respondent, Kenijah Dixon-Baldwin, when applying for coverage on May 14, 2015 with National Liability and Fire Insurance Company knowingly failed to disclose an uninsured and licensed policy household resident.
Civil Penalty: $1,500

Jimmy Berryhill, Atlanta, GA
Order #15-52516-35, April 27, 2016
Respondent, Jimmy Berryhill, knowingly submitted false and misleading information to CURE Auto Insurance Company on a renewal questionnaire dated March 3, 2015.  Specifically, Mr. Berryhill represented that he was residing with his wife at the policy address in New Jersey and that both vehicles were garaged at that location, when in fact, he was actually residing in Atlanta, Ga., and had one of the policy vehicles in his possession.
Civil Penalty: $1,500

Melissa Elam, Neptune, NJ
Order #15-52491-35, April 29, 2016
Respondent, Melissa Elam, did knowingly make multiple material misrepresentations to Plymouth Rock Assurance Company on March 25, 2015, by reporting a false motor vehicle accident date and on March 19, 2015 when renewing an automobile insurance policy and failing to disclose a motor vehicle accident that took place on March 17, 2015.
Civil Penalty: $5,000

Thomas S. Zaleski, Hazlet, NJ
Order #13-53361-04, April 27, 2016
Respondent, Thomas S. Zaleski, provided false and misleading information to Drive New Jersey Insurance Company (Progressive) in a First Notice of Loss on June 28, 2013 and in a recorded statement on July 1, 2013.  Specifically, Mr. Zaleski reported that his 2009 Pontiac Vibe had been stolen from Chatham Borough, NJ, on June 13, 2013, when in fact, the vehicle had not been stolen.
Civil Penalty: $3,500

 
March


Executed Consent Orders

Maria D. Lage Silva, Kearny, NJ
Order # 15-52398-35, March 2, 2016
Respondent, Maria D. Lage Silva, failed to disclose a licensed household member on an application for automobile insurance with Progressive Garden State Insurance Company on March 14, 2015.
Civil Penalty: $1,500

Julia Vallejo, Kearny, NJ
Order #15-51823-35, March 2, 2016
Respondent, Julia Vallejo, provided false and misleading information to Progressive Garden State Insurance Company on an automobile insurance policy application, electronically signed and dated October 6, 2011, by failing to disclose a licensed household resident and a resident.
Civil Penalty: $1,500

Theodoro Lutas, Sayreville, NJ
Order #14-51087-35, March 2, 2016
Respondent, Theodoro Lutas, conspired with Jean Halligan, who knowingly provided false and misleading information on an auto application with New Jersey Manufacturers Insurance Company dated March 2009 and on all subsequent policy renewals up to 2012. Specifically, they claimed they were married, when in fact they were divorced prior to the application. In addition, Theodoro Lutas exclusively possessed, operated and garaged a policy vehicle at his home in Marlboro, NY, for the duration of the policy period of 2009 through 2012.
Civil Penalty: $1,500

Julio Alvarado, Morristown, NJ
Order #13-52168-35, March 2, 2016
Respondent, Julio Alvarado, knowingly provided false and misleading information to Liberty Mutual Insurance Company on various policy declarations from 2011 through 2014, specifically, by not disclosing numerous additional drivers and garaging locations.
Civil Penalty: $5,000

Ashley M. Traverso, Rockaway, NJ
Order #15-51920-35, March 9, 2016
Respondent, Ashley M. Traverso, knowingly concealed misleading information on an auto application to IFA Insurance Company dated October 17, 2014, by failing to disclose a household resident.
Civil Penalty: $1,500

Iyeshia S. Green, Jersey City, NJ
Order #14-52822-35, March 9, 2016
Respondent, Iyeshia S. Green, knowingly concealed information on an auto insurance application to IFA Insurance Company by failing to disclose that her then fiancé was a regular operator of her vehicle.
Civil Penalty: $1,500

Diego Buritica, Long Branch, NJ
Order #15-51271-35, March 8, 2016
Respondent, Diego Buritica, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company on his November 8, 2014 application for auto insurance by failing to disclose household members and/or operators of the insured vehicle, specifically his wife.
Civil Penalty: $1,500

Tarek Singleton Ransom, Plainfield, NJ
Order #15-52341-35, March 8, 2016
Respondent, Tarek Singleton Ransom, when signing her December 21, 2012 application, knowingly failed to disclose to CURE Auto Insurance Company additional residents of the policy household.
Civil Penalty: $1,500

Stanley Jones, Newark, NJ
Order #14-53663-35, March 3, 2016
Respondent, Stanley Jones, a named insured, when adding a 2015 GMC to an NJM Insurance Company policy on April 22, 2014, knowingly failed to disclose his true Newark, NJ address.
Civil Penalty: $1,500

Holly C. Hill, Trenton, NJ
Order #11-23070-41, March 3, 2016
Respondent, Holly C. Hill, knowingly failed to disclose that she had returned to gainful employment on September 28, 2009, which would have terminated her disability benefits which continued until October 2010.
Civil Penalty: $2,500

Faramarz Azimi, Belle Mead, NJ
Order #12-52284-10, March 9, 2016
Respondent, Faramarz Azimi, knowingly provided false and misleading information to New Jersey Manufacturers Insurance Company.  Specifically, he stated that on September 2, 2011, a basement sink cold water compression valve leaked and flooded his basement. Faramarz Azimi submitted a post-loss American Water Company bill that showed a meter reading of 46,376 gallons of water used between September 13, 2011 and September 29, 2011.  This water was, in fact, not dispensed on September 2, 2011, and could not have caused damage to his basement.
Civil Penalty: $2,500

Edwin Villanueva, Paterson, NJ
Order #13-53146-35, March 24, 2016
Respondent, Edwin Villanueva, gave false and misleading information to Metropolitan Property & Casualty Insurance Company on an auto application dated February 22, 2013. Specifically, Edwin Villanueva failed to disclose a household member.
Civil Penalty: $1,500

Salvatore LaPlaca, Fairlawn, NJ
Order #13-51269-35, March 24, 2016
Respondent, Salvatore LaPlaca, knowingly made a misleading statement on an automobile application dated December 1, 2012, to CURE Auto Insurance Company. Specifically, he failed to list other household members on his application.
Civil Penalty: $1,500

Keith Ross, Irvington, NJ
Order #15-51559-35, March 24, 2016
Respondent, Keith Ross, did knowingly provide CURE Auto Insurance Company false and misleading information on an automobile insurance policy application dated May 14, 2013, and on a renewal declaration page dated May 15, 2014, by failing to disclose additional regular operators and the garaging location of the vehicle.
Civil Penalty: $1,500

Laurie A. Russell, Ocean Grove, NJ
Order #15-52203-35, March 24, 2016
Respondent, Laurie A. Russell, submitted false and misleading statements on her CURE Auto Insurance Company auto policy application dated July 29, 2013, and her renewal questionnaire dated May 5, 2014. Specifically, Laurie A. Russell failed to disclose a household member that lived at her residence and possessed a valid driver's license.
Civil Penalty: $1,500

James Sullivan, Willingboro, NJ
Order #15-52119-35, March 24, 2016
Respondent, James Sullivan, did provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy dated January 14, 2014, and subsequent renewal questionnaire dated November 1, 2014, by knowingly failing to disclose a household resident and an operator of an insured vehicle. The insured vehicle was also being used for commercial purposes.
Civil Penalty: $1,500

Michael T. Killmer, Forked River, NJ
Order #15-50429-35, March 24, 2016
Respondent, Michael T. Killmer, provided a materially false statement to CURE Auto Insurance Company on May 5, 2014, in obtaining automobile insurance, by knowingly failing to disclose a household resident whose New Jersey driver's license was suspended and who was an operator of a vehicle registered to him.
Civil Penalty: $1,500

Brenan Duffy, Moorestown, NJ
Order #15-51252-04, March 24, 2016
Respondent, Brenan Duffy, did knowingly make a material misrepresentation to Progressive Insurance Company on February 24, 2015, by falsely reporting the date of loss in an attempt to secure insurance coverage for an accident that occurred prior to the effective time and date of added coverage.
Civil Penalty: $2,500

Stephen Mora, Beverly, NJ
Order #15-51899-35, March 24, 2016
Respondent, Stephen Mora, did knowingly provide materially false information to Progressive Garden State Insurance Company on March 5, 2015, by submitting a fraudulent vandalism claim for his vehicle, when in fact, the vandalism had occurred on October 23, 2014, when he had a higher deductible.
Civil Penalty: $1,500

Ronald Mattonelli, Burlington, NJ
Order #15-53829-35, March 24, 2016
Respondent, Ronald Mattonelli, did provide a materially false statement to Mid-Century Insurance Company in obtaining an automobile insurance policy dated July 20, 2015, by knowingly failing to disclose another individual was a licensed resident in his household.
Civil Penalty: $1,500

Dorothy McCaden, Burlington, NJ
Order #15-52737-35, March 24, 2016
Respondent, Dorothy McCaden, did provide materially false statements to New Jersey Manufacturers Insurance Company on her original policy application dated September 9, 2001, subsequent renewals dated October 12, 2002 and September 16, 2004, and correspondence dated June 23, 2011 and October 28, 2013, by knowingly failing to disclose that there were additional residents in her household and that they were operators of vehicles registered to her.
Civil Penalty: $1,500

Anita Lai, Titusville, NJ
Order #15-52327-47, March 24, 2016
Respondent, Anita Lai, did provide a material false statement to Veterinary Pet Insurance, a subsidiary of National Casualty Company, in obtaining a pet insurance policy on November 18, 2014, by failing to disclose that her pet dog had a pre-existing heart murmur.
Civil Penalty: $1,500

Dawn Moss-McClam, Jersey City, NJ
Order #13-51118-35, March 24, 2016
Respondent, Dawn Moss-McClam, knowingly failed to list a member of the household and a vehicle operator on her application with National Liability and Fire Insurance Company dated March 19, 2012.
Civil Penalty: $1,500

Tamela Blackwell
, Woodbury, NJ
Order #15-50794-35, March 30, 2016
Respondent, Tamela Blackwell, knowingly provided false and misleading information to CURE Auto Insurance Company. Specifically, she failed to disclose individuals as residents/drivers on her automobile application dated January 31, 2013, and her renewal questionnaire dated November 19, 2013.
Civil Penalty: $1,500

Moises Jimenez, New Brunswick, NJ
Order #15-50644-35, March 29, 2016
Respondent, Moises Jimenez, did knowingly provide a materially false statement to CURE Auto Insurance Company in obtaining an automobile insurance policy on May 31, 2014, by failing to disclose all of the residents in his household. Furthermore, Mr. Jimenez failed to disclose that the insured 2009 Toyota Tacoma was co-owned with another individual who was the primary operator and that the vehicle was garaged at a location other than the policy address. Mr. Jimenez also failed to disclose that the insured 2007 Audi A4 was primarily operated by a different individual and that the vehicle was garaged at a location other than the policy address.
Civil Penalty: $1,500

Jorge Badillo, Freehold, NJ
Order #15-51381-35, March 29, 2016
Respondent, Jorge Badillo, knowingly failed to disclose to Progressive Insurance Company on his application for auto insurance dated August 14, 2011, that there was a licensed household resident driver at the policy address.
Civil Penalty: $1,500

Emanuel Velez
, Union, NJ
Order #15-51883-35, March 29, 2016
Respondent, Emanuel Velez, knowingly failed to disclose to CURE Auto Insurance Company that a family member was the customary operator of his 2009 Chevrolet Aveo when it was added to the policy on February 24, 2015, and that the vehicle was not being garaged at the policy address resulting in a premium savings of $752.
Civil Penalty: $1,500

Graciela Gato, Union City, NJ
Order #12-53331-35, March 31, 2016
Respondent, Graciela Gato, knowingly submitted a false and misleading statement on an automobile policy application with New Jersey Manufacturers Insurance Company dated July 17, 2011. Specifically, Graciela Gato failed to list a licensed household resident who was a regular operator of the policy vehicle.
Civil Penalty: $1,500

Robert Burfeindt, New Milford, NJ
Order #15-53760-35, March 31, 2016
Respondent, Robert Burfeindt, knowingly supplied false and misleading statements to CURE Auto Insurance Company by failing to list a household member on a renewal application dated January 6, 2015.
Civil Penalty: $1,500

Ann Marie Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Ann Marie Ralph, knowingly provided false and misleading statements to her carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 8 and 14, 2010, and November 11, 2010, that her vehicle, the insured 2000 Isuzu Trooper, was stolen on October 3, 2010, from a street in Woodbridge, NJ, when the vehicle had been towed and crushed in New York City in August of 2010.
Civil Penalty: $3,500

Dane A. Ralph, East Brunswick, NJ
Order #11-21569-03, March 31, 2016
Respondent, Dane A. Ralph, knowingly provided false and misleading statements to his wife's, Ann Ralph, carrier, New Jersey Manufacturers Insurance Company (NJM), by fraudulently reporting on October 21, 2010, in a recorded statement that he had observed and tried to start his wife's Isuzu Trooper the day prior to it being stolen when the car had, in fact, been towed on August 9, 2010, and crushed shortly thereafter in New York City.
Civil Penalty: $2,500

Karanja Jackson, Newark, NJ
Order #15-53334-03, March 31, 2016
Respondent, Karanja Jackson, did knowingly provide false and misleading information to Progressive Garden State Insurance Company in relation to a vehicle theft claim submitted on May 22, 2015. Specifically, Karanja Jackson misrepresented the theft of his vehicle, when, in fact, he was involved in a loss on May 22, 2015, prior to the submission of the vehicle theft claim.
Civil Penalty: $5,000

Renay C. Colligan, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Renay C. Colligan, provided a materially false statement on February 13, 2014, to CURE Auto Insurance Company when obtaining automobile insurance. Specifically, the respondent knowingly failed to disclose that Miguel A. Mendoza was the primary driver of her insured 2009 Honda and that his license was suspended.
Civil Penalty: $1,500

Miguel A. Mendoza, Bellmawr, NJ
Order #14-52108-35, March 31, 2016
Respondent, Miguel A. Mendoza, conspired with another individual in that he knowingly had possession of an insured risk, a 2009 Honda; was the sole operator; garaged same at this home and was not listed as a driver on the other individual's policy with CURE Auto Insurance Company dated February 13, 2014.
Civil Penalty: $1,500

 
February


Executed Consent Orders

Jennifer Vasquez, Union City, NJ
Order #15-52121-35, February 10, 2016
Respondent, Jennifer Vasquez, knowingly submitted a false and misleading statement on an automobile application to CURE Insurance Company dated February 27, 2014. Specifically, she failed to disclose an additional household resident operator.
Civil Penalty: $1,500

Mary Reyes, Closter, NJ
Order #15-52836-35, February 10, 2016
Respondent, Mary Reyes, knowingly made a false and misleading statement on her automobile application to CURE Insurance Company dated March 10, 2011. Specifically, she failed to list a household licensed driver.
Civil Penalty: $1,500

Elizabeth Gayflor, Bayonne, NJ
Order #14-52146-35, February 10, 2016
Respondent, Elizabeth Gayflor, knowingly provided false and misleading information to CURE Insurance Company on a policy application dated December 18, 2008, and on subsequent renewal forms from 2009 through 2013. Specifically, Ms. Gayflor failed to list several household residents.
Civil Penalty: $1,500

David J. Banks, Wharton, NJ
Order #13-53085-35, February 10, 2016
Respondent, David J. Banks, on April 4, 2013, knowingly provided a false statement on an auto insurance application with CURE Insurance Company. Specifically, he failed to list a household resident driver.
Civil Penalty: $1,500

Tasha Cromartie, Paterson, NJ
Order #15-50904-35, February 10, 2016
Respondent, Tasha Cromartie, did knowingly provide Progressive Insurance false and misleading information on an automobile insurance policy application dated October 23, 2013, and on a renewal declaration page dated October 23, 2014, by not advising Progressive Insurance Company of an additional household operator.
Civil Penalty: $1,500

Luby Gunhan, Bogota, NJ
Order #15-51404-35, February 10, 2016
Respondent, Luby Gunhan, knowingly misrepresented information on her automobile application with CURE Insurance Company dated November 17, 2014. Specifically, she failed to list all licensed household members.
Civil Penalty: $1,500

Maryse Dambrevil, Irvington, NJ
Order #15-51563-35, February 10, 2016
Respondent, Maryse Dambrevil, knowingly provided false and misleading statement(s) to New Jersey Indemnity Insurance Group on November 1, 2013. Specifically, by failing to notify New Jersey Indemnity Insurance Group of a licensed household resident and driver of the policy vehicles.
Civil Penalty: $1,500

Juan Guerrero, Randolph, NJ
Order #13-53142-35, February 17, 2016
Respondent, Juan Guerrero, knowingly supplied false and misleading statements on two different Plymouth Rock Insurance policy applications dated April 30, 2012 and June 11, 2013. Specifically, by indicating that he was the owner and sole operator of seven different policy vehicles and that all of the policy vehicles were garaged at the policy address, when in fact there were several other people operating the policy vehicles and they were garaged at several different locations in New Jersey and New York.
Civil Penalty: $3,000

Todd Knowlden, East Rutherford, NJ
Order #14-52173-35, February 24, 2016
Respondent, Todd Knowlden, failed to list all licensed household drivers on his IFA Insurance Company’s vehicle questionnaires and renewals dated January 31, 2011 through February 25, 2013.
Civil Penalty: $1,500

Jean Halligan, Pompton Plains, NJ
Order #14-51087-35, February 24, 2016
Respondent, Jean Halligan, knowingly provided false and misleading information on her auto application with New Jersey Manufacturers Insurance Company in March 2009 and on all subsequent renewals up to March 2012. Specifically, Ms. Halligan stated she was married, when in fact, she had been divorced prior to the application. Additionally, Ms. Halligan concealed that another licensed driver was in full-time possession of an insured vehicle which was garaged and operated in Marlboro, NY, for the duration of the policy period 2009 through 2012.
Civil Penalty: $1,500

Xavier L. Salazar, Lyndhurst, NJ
Order #14-53167-35, February 24, 2016
Respondent, Xavier L. Salazar, failed to disclose a licensed household member and regular operator on CURE Automobile Insurance Company renewal application questionnaires on September 15, 2011, December 1, 2012 and September 18, 2013.
Civil Penalty: $1,500

Genevieve Desources Donazald, East Orange, NJ
Order #14-50664-35, February 24, 2016
Respondent, Genevieve Desources Donazald, on February 2, 2012, knowingly provided a false and misleading statement on an auto insurance application with Farm Friendly Casualty Insurance Company; specifically, failing to list an additional household resident driver.
Civil Penalty: $1,500

Lynn Bogstahl-Kaylor, Lavalette, NJ
Order #13-53633-35, February 25, 2016
Respondent, Lynn Bogstahl-Kaylor, knowingly provided false and misleading information to Drive New Jersey Insurance Company. Specifically, by submitting a statement of no loss on June 1, 2013 at 11:18 a.m. indicating that no household member had been involved in any motor vehicle accidents, no one operating a vehicle listed on Lynn Bogstahl-Kaylor's policy had been involved in an accident, and there had been no damage to or theft of any of the vehicles listed on the policy during the time period between 12:01 a.m. on May 26, 2013 and the time Lynn Bogstahl-Kaylor signed this document when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.  Lynn Bogstahl-Kaylor also advised Drive New Jersey Insurance Company on July 19, 2013 that she was involved in an accident on June 2, 2013, when, in fact, Lynn Bogstahl-Kaylor was involved in an accident on June 1, 2013 at 10:33 a.m.
Civil Penalty: $1,500

Alan E. Thatcher, Waretown, NJ
Order #14-50827-10, February 29, 2016
Respondent, Alan E. Thatcher, submitted false and misleading information to NJM Insurance Company material to a claim relating to an October 29, 2012 date of loss. Specifically, Alan E. Thatcher submitted false information in an attempt to receive monetary compensation for property damage that he had already been compensated for by NJM Insurance Company in a prior claim.
Civil Penalty: $2,000

Cesar Necochea, Linden, NJ
Order #13-52875-03, February 29, 2016
Respondent, Cesar Necochea, did knowingly provide false and misleading information to AMICA Property and Casualty Insurance Company in relation to a vehicle theft claim submitted on December 17, 2012. Specifically, Respondent, Cesar Necochea, misrepresented the condition of the vehicle prior to the theft and failed to disclose of a previous loss.
Civil Penalty: $2,500

Catherine N. Courtot, Elizabeth, NJ
Order #15-52996-35, February 17, 2016
Respondent, Catherine N. Courtot, knowingly failed to disclose a licensed household resident on her application for automobile insurance with Plymouth Rock Assurance Company dated May 12, 2015.
Civil Penalty: $1,500

Jose Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly conspired with his father when he was not disclosed on the application for automobile insurance with New Jersey Skylands Insurance Association as a household resident and operator of a policy vehicle on the application dated February 20, 2014.
Civil Penalty: $500

Miguel Perez, Newark, NJ
Order #15-51187-35, February 18, 2016
Respondent, Miguel Perez, knowingly provided false and misleading information to New Jersey Skylands Insurance Association by not disclosing his son as a household resident and operator of a policy vehicle on the policy application dated February 20, 2014.
Civil Penalty: $1,500

Ryan A. Brown, Bradley Beach, NJ
Order #15-51250-35, February 23, 2016
Respondent, Ryan A. Brown, knowingly made a material misrepresentation to Progressive Garden State Insurance Company when he reported that his auto property damage loss occurred on March 3, 2015, when in fact the loss occurred on March 1, 2015 before 1:52 p.m. ET., prior to him adding collision coverage to his automobile insurance policy with Progressive on March 1, 2015 at 2:26 p.m. ET.
Civil Penalty: $2,500

Jodi Johnson Byers, Scotch Plains, NJ
Order #15-52439-35, February 23, 2016
Respondent, Jodi Johnson Byers, when adding a policy vehicle on March 6, 2013 knowingly failed to disclose to IFA Insurance Company of additional policy vehicle operators of her household and failed to disclose additional operators on her IFA policy renewal underwriting questionnaire dated January 15, 2015.
Civil Penalty: $1,500

Lauren Jefferson, Margate, NJ
Order #15-51916-35, February 9, 2016
Respondent, Lauren Jefferson, did knowingly provide materially false information on a statement of no loss to Progressive Insurance Company on April 21, 2015 at 9:20 a.m., by indicating that no one operating a vehicle on her policy had been involved in a crash during the lapse period, when in fact, respondent, Lauren Jefferson, was involved in an at fault crash on April 21, 2015 at 8:10 a.m.  Additionally, this misrepresentation resulted in a third party claim to Progressive Insurance Company.
Civil Penalty: $2,500

Gail Maury, Englishtown, NJ
Order #15-52514-47, February 9, 2016
Respondent, Gail Maury, did knowingly provide materially false information on an application for pet insurance to Veterinary Pet Insurance on November 7, 2014 at 10:58 a.m., by failing to disclose a pre-existing medical condition.
Civil Penalty: $1,500

Gerson Gutierrez, Mount Laurel, NJ
Order #15-52433-04, February 17, 2016
Respondent, Gerson Gutierrez, did provide a materially false statement to Travelers Insurance Company by falsely misrepresenting the location of the accident to obtain a benefit he was not entitled.  More specifically, Gutierrez claimed the accident took place in Mount Laurel when in fact, the accident took place at Atco Dragway on April 21, 2015.
Civil Penalty: $5,000

Jose R. Castro, Elizabeth, NJ
Order #12-52240-08, February 25, 2016
Respondent, Jose R. Castro, did knowingly conspire with another individual to make false statements to Progressive Casualty Insurance Company concerning the purported theft of a vehicle on April 14, 2012.
Civil Penalty: $5,000

Samantha A. Rosa, Vineland, NJ
Order #14-53994-35, February 29, 2016
Respondent, Samantha A. Rosa, did knowingly provide a materially false statement to CURE Auto Insurance Company on March 6, 2014, by failing to disclose another individual as the primary driver of the 1994 Acura Integra automobile listed on that policy and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

Mario Reyes
, Somers Point, NJ
Order #14--53166-35, February 17, 2016
Respondent, Mario Reyes, did knowingly provide a materially false statement to CURE Auto Insurance Company on an automobile insurance policy dated September 1, 2010, and renewal questionnaires dated August 16, 2011 and July 6, 2012, by failing to disclose that his girlfriend was a resident in his household and an operator of a vehicle registered to him.
Civil Penalty: $1,500

 
January


Executed Consent Orders

Dominic Gagliostro, Clifton, NJ
Order #14-50054-33, January 21, 2016
Respondent, Dominic Gagliostro, as an employer, knowingly made misrepresentations on September 18, 2012 on a workman's compensation claim to Selective Insurance Company.  Specifically, Dominic Gagliostro provided a statement denying that a certain employee was injured while on the job, which would have effectively denied the benefit that said employee was entitled to.
Civil Penalty: $5,000

Laszlo Gere, Hasbrouck Heights, NJ
Order #14-52807-35, January 11, 2016
Respondent, Laszlo Gere, provided false and misleading information to Plymouth Rock Management Company of New Jersey on December 16, 2013, when he failed to disclose the commercial use of a 200 Ford Econoline Van on an application for personal automobile insurance.
Civil Penalty: $1,500

Victor Vega, Clifton, NJ
Order #15-50838-35, January 4, 2016
Respondent, Victor Vega, knowingly provided false and misleading information to Metropolitan Property and Casualty Insurance Company.  Specifically, by failing to list his wife as a licensed household driver on his automobile policy application request dated January 26, 2013, and again on a renewal form dated January 26, 2014.
Civil Penalty: $1,500

Tony Joisil, West Orange, NJ
Order #15-50495-04, January 4, 2016
Respondent, Tony Joisil, provided false and misleading information to Personal Service Insurance Company on November 16, 2014, after he secured an automobile policy on November 14, 2014, and later claimed to have had a crash on November 15, 2014, when in fact the crash occurred on November 14, 2014, just prior to the policy binding.
Civil Penalty: $3,500

Liliana P. Ocampo, Saddle Brook, NJ
Order #15-50293-04, January 4, 2016
Respondent, Liliana P. Ocampo, on April 2, 2013, failed to disclose two household operators on an application for automobile insurance with Mid Century Insurance/Farmers Insurance Group.
Civil Penalty: $1,500

Jeffrey I. Aron, Matawan, NJ
Order #12-51809-44, January 22, 2016
Respondent, Jeffrey I. Aron, knowingly submitted claims to Delta Dental of New Jersey, Cigna, and Horizon Blue Cross Blue Shield Dental, dated betwe0en April 19, 2011 and May 9, 2011, which contained false and misleading information.  Specifically, Dr. Aron submitted claims with backdated dates of service in order to receive reimbursement for services which were actually rendered after his license to practice dentistry had been suspended.
Civil Penalty: $2,500

Iris Quiones, Perth Amboy, NJ
Order #15-51707-35, January 21, 2016
Respondent, Iris Quiones, knowingly provided false and misleading information to IFA Insurance Company by not disclosing an additional household resident on her policy application dated September 23, 2014.
Civil Penalty: $1,500

Andre J. Vargas, Dunellen, NJ
Order #14-54175-35, January 7, 2016
Respondent, Andre J. Vargas, violated the New Jersey Insurance Fraud Prevention Act by conspiring with Mikisha D. Vargas on September 28, 2011 (application) and on October 4, 2014 (renewal) to Progressive Garden State Insurance Company. Andre J. Vargas was not disclosed on the policy as a resident and driver of the household.
Civil Penalty: $500

Vierge Chery, Union, NJ
Order #14-54211-35, January 6, 2016
Respondent, Vierge Chery, when applying for coverage on September 15, 2014, knowingly failed to disclose to Progressive Insurance Company an additional household resident operator.
Civil Penalty: $1,500

Tamara Jones, Union, NJ
Order #15-51256-35, January 6, 2016
Respondent, Tamara Jones, when providing a recorded statement of no loss on March 18, 2015 at 4:05 p.m., knowingly failed to disclose to Progressive Garden State Insurance Company of the auto loss that occurred on that same date at 1:40 p.m.
Civil Penalty: $3,500

Jaeho Shim, Edison, NJ
Order #15-52014-35, January 4, 2016
Respondent, Jaeho Shim, did provide materially false information to Selective Auto Insurance Company of New Jersey in obtaining an automobile insurance policy dated October 10, 2013, by knowingly failing to disclose that his son was a licensed driver and household resident.
Civil Penalty: $1,500

Gary Stevens, Union, NJ
Order #15-51364-35, January 21, 2016
Respondent, Gary Stevens, when adding a 2011 Kia to his Drive New Jersey Insurance Company policy on September 20, 2014, knowingly failed to disclose an additional operator of this vehicle, and knowingly failed to disclose that this vehicle would be garaged at a location other than the policy address.
Civil Penalty: $1,500

Jeffrey A. Speight, Waldorf, NJ
Order #13-52890-31, January 11, 2016
Respondent, Jeffrey A. Speight, did knowingly provide materially false information with USAA General Indemnity Company on or about December 12, 2011, by falsely claiming he resided in Willingboro, NJ, when in fact, he resided in Philadelphia.
Civil Penalty: $2,500

John McGowan, Bayville, NJ
Order #15-51558-35, January 11, 2016
Respondent, John McGowan, did provide a materially false statement to CURE Auto Insurance Company on December 17, 2014, when renewing automobile insurance, by knowingly failing to disclose a household member with a suspended New Jersey Driver’s license; and whereas, respondent, John McGowan, knowingly supplied material false information to CURE Auto Insurance Company on March 3, 2012, by acknowledging he was the owner of the insured 2003 Dodge Ram, when in fact, the vehicle was purchased, titled and registered to another individual.
Civil Penalty: $1,500

Miriam E. Flaer, Cinnaminson, NJ
Order #12-54255-24, January 11, 2016
Respondent Miriam E. Flaer, did cause claims to be submitted to Aetna Insurance Company between October 2011 and May 2013 for eight prescriptions that she obtained from multiple pharmacies and under the names of multiple physicians during periods when those prescriptions would have been denied due to early refills had she used one pharmacy.
Civil Penalty: $3,500

Barbara L. Dailey, Northfield, NJ
Order #13-50133-12, January 21, 2016
Respondent, Barbara L. Dailey, knowingly provided false and misleading information to Travelers Insurance Company; specifically by stating her ring was stolen from her home on April 12, 2013, when in fact, it was not stolen.
Civil Penalty: $5,000

Wonmi Rooney, West New York, NJ
Order #15-51242-35, January 21, 2016
Respondent, Wonmi Rooney, did knowingly provide materially false information during a statement of no loss on February 23, 2015, to Progressive Insurance Company, by indicating that neither she nor any member of her household had been involved in an at fault motor vehicle accident during the lapse period of February 13, 2015 and February 23, 2015, when in fact she was involved in a motor vehicle accident on February 22, 2015 at 4:40 p.m.
Civil Penalty: $3,500

Griselle Gomez, Paterson, NJ
Order #15-51349-35, January 27, 2016
Respondent, Griselle Gomez, provided false and misleading information to IFA Insurance Company on an automobile insurance application dated August 8, 2014, on an underwriting questionnaire dated August 11, 2014, and on an undisclosed driver certification dated October 27, 2014.  Specifically, she failed to disclose two household residents.
Civil Penalty: $1,500

Danielle R. Falasca, Garwood, NJ
Order #14-52551-35, January 27, 2016
Respondent, Danielle Falasca, failed to disclose a licensed household resident to IFA Insurance Company on February 6, 2014, when she filed an undisclosed driver certification and addition of car form.
Civil Penalty: $1,500

Allison Zeno, Lincoln Park, NJ
Order #15-52177-35, January 27, 2016
Respondent, Allison Zeno, failed to notify CURE Insurance Company on a 2015 auto insurance renewal that a policy vehicle was operated exclusively by a family member who did not reside at the policy address.
Civil Penalty: $1,500

Salvatore S. Mummiani, Hawthorne, NJ
Order #15-50029-35, January 27, 2016
Respondent, Salvatore S. Mummiani, knowingly made a false and misleading statement on his automobile application to CURE Insurance Company dated April 29, 2013.  Specifically, he failed to list a household member as a licensed driver.
Civil Penalty: $1,500

Denise Banks, Newark, NJ
Order #11-23067-33, January 27, 2016
Respondent, Denise Banks, knowingly filed and presented false and misleading information regarding an accident that occurred on January 19, 2011, in the City of Orange, New Jersey, while in the performance of her duties as a police officer.  Specifically, Ms. Banks claimed she was struck while parked in her police unit by a hit and run truck, when in fact she caused the accident while backing onto the roadway.  This misinformation generated a false Insurance Claim with the Hanover Insurance Company.
Civil Penalty: $5,000

Yolanda Dominguez, Emerson, NJ
Order #15-50795-35, January 27, 2016
Respondent, Yolanda Dominguez, when applying for coverage on August 5, 2013, with New Jersey Indemnity Company and on August 5, 2009, with Twin Lights Insurance Company, knowingly provided misinformation material to her policy by failing to disclose a licensed policy household resident operator and that she was separated.
Civil Penalty: $3,000

Pedro L. Martinez, Atlantic City, NJ
Order #14-52991-35, January 27, 2016
Respondent, Pedro L. Martinez, did knowingly provide a materially false statement to CURE Auto Insurance Company on February 20, 2013, on an initial application, and on December 1, 2013, on a CURE renewal application questionnaire, by failing to disclose that a co-owner and the primary driver of the 2007 Nissan Altima automobile listed on that policy, and that the automobile was garaged at a location other than the policy address.
Civil Penalty: $1,500

David A. Baxter, III, Mount Ephraim, NJ
Order #14-53078-35, January 27, 2016
Respondent, David A. Baxter, III, did provide a materially false statement to CURE Auto Insurance Company on May 1, 2014, in obtaining automobile insurance, by knowingly failing to disclose his wife was a resident in his household and had a suspended driver’s license; and failed to disclose his stepdaughter was a resident in his household with a New Jersey driving permit.
Civil Penalty: $1,500

 
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